====== Financial Runway Projection ======

Purpose:
Estimate how long the household can operate while the ELF business grows.

Assumptions:
  * Household income: $110,000
  * Married couple
  * Remote work
  * Starting ELF as side or transition business

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===== Monthly Net Income by Location =====

^ Location ^ Estimated Take-Home ^
| Albany, NY | $7,000 |
| Knoxville, TN | $7,600 |
| Chattanooga, TN | $7,500 |
| Tampa, FL | $7,400 |
| Raleigh, NC | $7,200 |

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===== Monthly Expense Estimates =====

^ Location ^ Monthly Expenses ^
| Albany, NY | $4,200–$4,800 |
| Knoxville, TN | $3,200–$3,800 |
| Chattanooga, TN | $3,300–$3,900 |
| Tampa, FL | $4,200–$5,000 |
| Raleigh, NC | $4,000–$4,700 |

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===== Monthly Savings Potential =====

^ Location ^ Monthly Savings ^
| Albany | $2,200–$2,800 |
| Knoxville | $3,800–$4,400 |
| Chattanooga | $3,600–$4,200 |
| Tampa | $2,400–$3,200 |
| Raleigh | $2,500–$3,200 |

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===== Business Runway Scenarios =====

Assume:
  * $25,000 savings
  * ELF revenue initially $0
  * Household relies on savings

^ Location ^ Months of Runway ^
| Albany | ~5–6 months |
| Knoxville | ~7–8 months |
| Chattanooga | ~7 months |
| Tampa | ~5–6 months |
| Raleigh | ~6 months |

Lower-cost cities extend your safe startup period.